Insurance Denied Your Claim in Detroit
Educational Detroit, MI guide — 3-year SOL, local hospitals, and insurer tactics. Not legal advice.
For a full local checklist, see our Car Accident Help in Detroit, MI guide.
Confirm coverage at the scene
Ask for insurance card photos and verify policy status. In Detroit, uninsured motorist rates track with statewide averages — always assume minimum limits until verified.
Your UM/UIM policy in Michigan
Uninsured/underinsured motorist coverage on your policy may pay when the at-fault driver has no coverage or insufficient 50/100/10 limits.
Notify your carrier promptly; UM claims still require documentation of injuries and damages.
Hit-and-run steps in Detroit
Report hit-and-runs immediately to Detroit police. UM coverage often requires a police report within 24–72 hours.
Seek witnesses and camera footage near Detroit downtown interchange.
Medical and financial documentation
Use Detroit Regional Medical Center if injured. Track lost wages and transportation costs.
When litigation may be necessary
If UM/UIM carriers deny or lowball offers, a licensed Michigan attorney can evaluate bad-faith and negligence claims against the at-fault driver directly.
FAQ
- Is this legal advice for my Detroit case?
- No. This is general education from WreckMatch LLC, a referral service — not a law firm. Consult a licensed attorney for advice about your situation.
- What is the statute of limitations in Michigan?
- Most injury claims face a 3-year deadline, but exceptions apply. Verify your dates with counsel.
- Will my rates increase if I use UM/UIM coverage?
- Rules vary by carrier and state. Ask your insurer in writing; using UM after a not-at-fault crash is often protected — verify your policy.